The age limit for applying for individual housing loan is the borrower 18 years old. The maximum age limit is 60 for men and 55 for women. The sum of the loan term and the borrower's age is also limited and cannot exceed 65 or 70 years old. Different regions and different banks will have different regulations. Provident fund loans, the longest loan period shall not exceed 5 years after the borrower retires. The purpose of this regulation is to ensure that the borrower has a stable source of income during the repayment period and repay the loan within an appropriate time.